Guaranteed Rate Affinity in Kentucky vs the state
7.0%Denial rate-11.78 pts vs state
9.3%Decision denial rate-14.21 pts vs state
67.2%Origination rate+9.15 pts vs state
6.63%Median rate-0.13 pts vs state
0.28Rate spread (pts)-0.03 pts vs state
$115kMedian applicant income
86Loans originated
9Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 71 | 10.0% | 6.75% | #166 |
| 2024 | 122 | 79 | 1.6% | 6.80% | #171 |
| 2025 | 128 | 86 | 7.0% | 6.63% | #181 |
What Guaranteed Rate Affinity lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 33 | 24 | 0 | 0.0% |
| Boone County | 29 | 19 | 4 | 13.8% |
| Campbell County | 26 | 18 | 1 | 3.8% |
| Jefferson County | 8 | 4 | 1 | 12.5% |
| Fayette County | 5 | 2 | 1 | 20.0% |
| Grant County | 3 | 2 | 1 | 33.3% |
| Meade County | 2 | 2 | 0 | 0.0% |
| Pike County | 2 | 1 | 0 | 0.0% |
| Clark County | 2 | 1 | 0 | 0.0% |
| Scott County | 2 | 2 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 128 applications in 2025, of which 86 were originated and 9 denied.
7.0% of all applications, or 9.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Guaranteed Rate Affinity originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Guaranteed Rate Affinity's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology